Smart auto financing built for real customers and real dealers.
Captive Auto Finance partners with dealerships to provide clear, consistent and responsible auto financing options for customers across our footprint.
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(978) 363-0230
Focused on transparent, responsible auto lending.
Captive Auto Finance works directly with franchise and independent auto dealers to offer customers clear terms, competitive rates, and a streamlined contracting process.
- Simple, easy-to-read contracts and disclosures.
- Flexible term options for a range of credit profiles.
- Local expertise with centralized servicing.
Compliance & Customer Protection
We are committed to responsible lending and comply with applicable federal and state consumer protection, privacy, and fair lending laws.
- Clear disclosures of rates, terms, and fees.
- Dedicated team focused on compliance and quality control.
- Local expertise with centralized servicing.
If you ever believe there is an error or need information about your account, please contact our Customer Care team using the information on your billing statement or on our Contact page.
Auto Financing Programs
Captive Auto Finance supports a broad mix of customers and vehicles. Actual program availability, rates, and terms are determined by your credit profile, vehicle, and dealership.
Standard Retail Installment
Traditional principal-and-interest auto loans with fixed terms and fixed monthly payments.
- New and used vehicles
- Competitive fixed APR
- Terms vary by vehicle and state
Near-Prime & Diverse Credit
Options designed for customers with limited credit history or prior credit challenges.
- Expanded underwriting criteria
- Income and stability focused review
- Partnered with participating dealers
Special Programs
Select programs may be available through participating dealerships from time to time.
- Promotional offers
- Manufacturer or dealer incentives
- Subject to additional terms
Dealer Partnerships
Captive Auto Finance provides dealers with responsive underwriting, consistent program guidelines, and straightforward funding and servicing support.
- Dedicated relationship managers and credit team.
- Clear program grids and underwriting guides.
- Fast decisions and streamlined funding.
- Transparent treatment of dealer participation and incentives.
Become a Partner Dealer
Interested in offering Captive Auto Finance programs to your customers?
Please complete our short dealer inquiry form or email our Dealer Relations team.
Email: dealerrelations@cptvf.com
Phone: (978) 363-0230